Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,491Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$67,425The complete starting cash picture.
Estimated remaining funds due at closing
$67,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,491.08
Your down payment$56,491.08
Closing costs + prepaids$10,933.49
Total buyer cash needed$67,424.57
Remaining funds due$67,424.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.50
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$27.99
Fees + prepaids$10,933.49
Your down payment is the seller’s equity. You take over the $328,509 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $67,424.57 is due at closing. Uses and sources reconcile at $395,933.49 each. Not a Closing Disclosure.